Pascal If you're really worried about this scenario, there are these two settings you can change:
- In the bunq app, set the Auto Logout time in the settings to 0. Each time the bunq app is opened on your phone, you now have to put in your security code.
- Make sure your phone OS is up-to-date and set an alphanumerical passcode.
I would argue that both aren't strictly needed, as the 6-digit passcode of your device is already quite strong and unlikely for anyone to break if they're not state-level attackers. Same for the bunq app: even if the attacker unlocks your phone, then figuring out the security code of the bunq app in the few tries that it allows before it locks you out of your account is mathematically quite impossible.
So I would say if it makes you sleep better at night, sure go ahead and take these additional security measures, but personally I feel safer at bunq compared to other banks, where it's far easier to crack into accounts through social engineering, SS7 attacks, etc. all which bunq is much better protected from.